Liquidity funds

What is a liquidity fund?

A liquidity fund is a fixed-income funds that buys fixed-income securities that have a short term, between three months and one year.

Liquidity funds are the group of funds with the very lowest risk. A liquidity fund is a fixed-income fund that invests exclusively in securities with a short lock-in period. However, lowest risk also means lowest expected return. Over time you can expect to get a slightly higher return than in a high-interest bank account.

When should I choose a liquidity fund?

Consider choosing a liquidity fund if it is money you may need quickly, for example if your car needs to go in for repairs or your washing machine stops working.

Saving in a liquidity fund is also a good solution for people who want to combine this with investments in equity funds so you can adjust the risk in your overall savings portfolio.

If you are looking for a very high return on your money, liquidity funds are not for you. In that case you are better off looking at savings with a higher level of risk which are more suited to long-term savings such as equity funds or individual shares.

Historical returns are no guarantee of future returns. Future returns will depend, among other things, on market developments, the skill of the Portfolio Manager, the mutual fund’s risk, and the management costs. Returns may be negative as a result of mark-to-market losses.

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